Bibb County Lawyers Handling Chapter 7 Bankruptcy

If you are struggling under mountains of debt, you might be wondering if there is any way to regain your financial stability. Thankfully, the U.S. Bankruptcy Code makes it possible for people like you to discharge their debt and obtain the fresh financial start they need.

At Cargile & Hodnett, llc, we are here to guide you through the process. We opened our firm in 2005, and since then, our attorneys have been guiding individuals throughout Bibb County, Alabama, through the bankruptcy process.

We can educate you about the differences between Chapter 7 and Chapter 13 bankruptcy and get you started on the path to financial freedom.

What Are The Benefits Of Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is what most people think of when they file for bankruptcy. Under certain conditions, Chapter 7 allows you to eliminate your credit card debt, medical debt and other unsecured debt. Many people are able to keep their house and car, if they agree to continue timely payments. You may even be able to eliminate tax arrears you owe to the government, after certain conditions have been met.

Chapter 7 does not allow you to eliminate student loans or other loans backed by the United States government. Prior to qualifying for Chapter 7 bankruptcy, you will be required to pass a means test that calculates the ratio of your debt to your income. We know the rules and can help most people qualify.

Contact Us For The Debt Relief You Need

If you have questions about whether Chapter 7 is right for you or are ready to get started, contact our lawyers to schedule a free consultation. We can be reached through our contact form or by calling 205-316-9115.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.